Baby bonus calculator
New Brunswick baby bonus calculator
How much your New Brunswick family gets in tax-free transfers each month — federal Canada Child Benefit plus the NB Child Tax Benefit + Working Income Supplement, plus the Canada Groceries and Essentials Benefit. Pre-set to New Brunswick; change the inputs to match your situation.
Payment channel: Monthly with CCB. For full program detail see the New Brunswick child benefits page.
Combined for both parents if both work. Just one parent's income if one's at home.
Any kids under 6?
Under-6 kids get more CCB ($8,157/yr vs $6,883/yr).
Your family gets
$840
tax-free per month
That's $10,077 tax-free per year — in your account, untouched by tax. (13% of your household income.)
The breakdown
- $839.75/month — Canada Child Benefit$10,077/yr
The single-income reality check
If one parent stayed home with the kids — here's how the math changes.
Two incomes today
$5,631/mo
After tax + benefits − daycare.
Daycare for 1 kid under 6 costs about $7,128/yr in New Brunswick.
One parent at home
$6,049/mo
After tax + benefits. No daycare bill. Spousal tax credit kicks in (~$2,300 federal saved).
One income comes out $418/month ahead.
That's $5,014more per year in the family budget — before any quality-of-life math. The benefits don't change (same household income, same AFNI). What changes: the tax bracket walks differently for a single earner, the spousal credit appears, and daycare disappears as a line item.
Assumes 60/40 split for two-income, married couple, all kids under 6 attend daycare in the two-income scenario. Open the advanced calculator for exact numbers, RRSP impact, second-income breakeven for your specific wage.
Want exact numbers?
The advanced calculator takes the full set of inputs (RRSP contributions, disability tax credit, support payments, per-child age) and visualizes the AFNI clawback curve. The number above is a ballpark; the advanced view is the exact figure your CRA notice will show.